Betti's debt free diary

betti911

Found out my credit limit for virgin was £4500 so going to pay off my carloan with this and also pay some of my personal loan off as well as my overdraft. Haven't got the money yet from virgin. They said it might take up to 6 days.

Didn't spend a penny yesterday (had my ww class for free as I'm a helper). Today have brought in my lunch but have netball tonight £3.50 which I don't mind paying as I get to see my friends. Am going to do a new sig soon which includes my overdraft which I stupidly didn't count till recently. I'm looking fwd to starting with a balance in my account each month when I get paid as it helps me more with my budget.

Have been doing pigsback every day too and have now got £10.75 which I'm going to put towards Xmas presents. My boyfriend has a big family so they've come up with the idea that you only spend £10 max on each other. There are however 10 of them which doesn't make it easy for me as I've my own family and my b/friend to buy for. My boyfriend says he doesn't want much this year but I'm determined to buy him something nice as he has helped me out so much this year and has been really supportive about my moneysaving. I'm going to save up for whatever I get him though as it would be stupid to get into debt for it.

Is anyone else worrying about Xmas already? i thought it was meant to be such a happy time

Ches

Yes it can be stressful. My lot (kids and GC) all prefer money instead of presents so I can't cut the cost like I could if I was buying for them.

betti911

Was going to buy shampoo and hair conditioner today but on clearing out I found loads of half used stuff of my parents who told me to go ahead and finish them. My bathroom shelves are now packed with half used conditioner, little bootles of shampoo and have a whole load more bath stuff. Least that'll save me a few £'s.

Going to check today if I've got my money through again. Hopefully I have. Am thinking of changing my bank account. Am getting really annoyed with RBS. They say they'll phone me back with answers to my questions and they never do.

betti911

Have recieved my money from Virgin interest free for 15 months and have now paid off my car loan, £2000 of my personal loan and my over draft. Have left myself £90 in my bank for petrol for next week and to buy varnish for my flat as its the B and Q discount weekend my dad says.

Told my parents what I was doing and they weren't impressed about using the credit card for balance transfers. I am on top of it though and I know I won't run up any more debt.

Not doing much this weekend. I don't have much money as don't get paid until Tuesday. Am really looking fwd to composing my new sig on Tuesday.

betti911

Monthly Incomings:

My salary - £1632.08
Travel allowance - £75 (aprox)

Total - £1707

Monthly Outgoings:

Mortgage- £466 (fixed until Dec 08)
Council Tax - £116 (discount now applied)
Phone - £28
Car Insurance - £0 Have arranged to pay this off in one lump payment this year
Food- £0 Am still eating every night at my Mum and Dad's I take breakfast from their house too and am able to get lunch at the moment from their house to bring into work (Their way of helping me)
Electricity- £5 per month- That was how much its been lately not using much at the moment as not in the house much mostly at my parents
Petrol - £180
Personal loan Debt consolidation- £241.33
Extra payment towards credit card- £257
Gym membership- £33
Cineworld cinema card- £11.99 (I use both of these v reg)
Xmas Savings- £50
Payment to Virgin Credit card-£5
Savings to pay off bed- 49

Total: £1442.32

I have my ISA for Xmas savings. I have a budget of £40 per week at present. I really want to get that down to £20 so I'm going to take in my lunch every day. Avoid magazines and whatever money I save put it in my ISA for Xmas.

All my debt is now listed in my sig. I am determined to get my debt down as much as possible.

betti911

I've claimed my travel expenses today... £104 aprox. Going to put it towards my Xmas savings I think and also add it to my sig.

Am really swithering now whether to put money aside to pay off my bed. Really I could get an interest free credit card and put my bed on that next year and concentrate on my personal loan. Still deciding...

A NSD today. Have WW tonight (free as I'm helping out) Get paid tomorrow so fresh start with £0 in the bank. Have my Virgin Balance transfer fees to pay this month. I could keep my travel expenses for that? Am still deciding.

Got my buildings and contents insurance coming up in December to pay. Going to try to def take my time to get the best deal. Might start looking about just now. Going to try using Quidco for that and for my Xmas pressies.

Haven't got two much on socially this week. Have a dinner/cinema night with my friend on Sat which should cost about £10 but have budgeted for that and meeting another friend for coffee on Thursday. Otherwise I don't intend to spend much.

Hope everyone else is doing well.

betti911

Have just transfered the £50 I had spare at the end of this month into my loan so am now under the 8k mark:j :j ... well just! Have a little more to add come payday tomorrow but wanted to start the month with a zero balance in my account since my overdraft is now included in my debts :eek: :eek: Oh well at least I know the true figure. No debts more to hide... not even from myself

betti911

Boots vouchers are now back in stock in Pigsback so I ordered £10 worth of those for Xmas Hope to get another one before Xmas to help with my b/friends family's Xmas pressies as have been looking ar the buy 2 get one free deals online. Hope they have the same types on deals instore.

Payday today. Going to use that £104, travel expenses from yesterday, to pay the balance transfer cost in my virgin card. Taking in my lunch today and going to a friends for dinner tonight so should be okay money wise today.

betti911

Have transfered another £350 over from my virgin credit card to me bank account. Going to use that to make payment to my loan as its 0% on the credit card at the moment. It will take 5-7 days to come into my account but as soon as its in its going straight to pay my debt.

Still waiting to get a bill from virgin. Will put my travel expenses in my ISA until I get my bill.

Am en route to going to close my car loan account at the moment. Apparently they still have to take the payment for this month but I get it back.

betti911

Was really bad this weekend. Accidently took out £100 instead of £20 at the cashline on Friday nite. Only spent £20 on my night out then spent £80 in Ikea :eek: :eek: How could I spend so much money on a store which is meant to be so cheap. Anyway it was all totally my fault. I'm just going to have to be very frugal for the rest of the month. Have a long weekend coming up so won't be able to go on any nights out. Maybe the cinema with my pass. I'm really annoyed I got carried away